Part of the Cash America Pawn chain · locations
Cash America Pawn logo

Cash America Pawn in Universal City, TX

No stored Google rating available.

Pat Booker Rd in Universal City, TX, Cash America Pawn offers fast pawn loans and cash advances.

Data compiled from public sources

Cash America Pawn Review

Cash America Pawn is located at 1705 Pat Booker Rd in Universal City, TX, operating as a standalone pawn shop serving the San Antonio metro area. The Universal City location is open Monday through Saturday from 9 AM to 7 PM, and Sundays from 11 AM to 5 PM, making it convenient for both weekday and weekend pawning needs. The shop accepts a wide range of collateral items including jewelry, electronics, musical instruments, and other valuables.

At the Universal City, TX location, you can pawn items for short-term cash access, purchase discounted merchandise, or arrange short-term loans. The staff at 1705 Pat Booker Rd can assess your items and provide offers quickly. For questions about specific items or loan terms, call the location directly at 210-658-0104.

If you are researching short-term cash access in Universal City, the Pat Booker Rd pawn shop can provide same-day loans with eligibility claims to verify. Bring your ID and the item(s) you wish to pawn or sell. Cash America operates locally with listed pricing and fair terms.

Services & Features

In-store merchandise inventory browsing
Layaway plan with 10% down payment
Lease-to-own payment solutions (via AFF subsidiary)
Non-recourse pawn loans secured by personal property
Outright purchase of electronics, jewelry, tools, and merchandise
Outright purchase of gold, silver, and platinum
Retail finance payment solutions through merchant partner network
Retail sale of musical instruments
Retail sale of secondhand jewelry, electronics, tools, appliances, and sporting goods
Store locator for 2,500+ North and Latin America locations

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • eligibility claim to verify — loan approval based solely on item value
  • Non-recourse loans: forfeiting the item is the only consequence of non-payment, no collections or credit damage
  • Over 2,500 U.S. locations across 29 states — highly accessible for in-person transactions
  • Buys gold, silver, and platinum outright for short-term cash access with no loan obligation
  • Layaway service available with as little as 10% down for purchases
  • Wide variety of secondhand merchandise available for purchase at discounted prices
  • Publicly traded company (FCFS) with regulated operations and public financial disclosures

Cons

  • Pawn loan amounts are typically only a fraction of an item's actual market value
  • Interest rates on pawn loans are set by state law but are often very high on an APR basis
  • Loan terms are short; failure to repay means permanent loss of the pledged item
  • No credit reporting — pawn loans do not help build or establish a credit history
  • Cash offered for gold and valuables may be significantly below what a private buyer or jeweler would pay

State Consumer Finance Context

This is state-level context for Pawn Shops consumers in Universal City, TX. It does not confirm that Cash America Pawn or this specific location is licensed.

State regulator

Texas Office of Consumer Credit Commissioner

Money services context in Texas

Short-term lending status: Legal

General rate context: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses

Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.

Key state rules to check

  • Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
  • No state cap on CAB fees; effective APRs frequently exceed 500%.
  • Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Cash America Pawn offer?

Cash America Pawn offers 10 services including Non-recourse pawn loans secured by personal property, Outright purchase of gold, silver, and platinum, Outright purchase of electronics, jewelry, tools, and merchandise, Retail sale of secondhand jewelry, electronics, tools, appliances, and sporting goods, Retail sale of musical instruments, and 5 more.

What profile signals are listed for Cash America Pawn?

Cash America Pawn has profile signals associated with Consumers who are researching short-term cash access and have no access to traditional credit, People who own jewelry, electronics, or tools and need a short-term loan with eligibility claims to verify, Bargain shoppers looking for discounted secondhand electronics, tools, or musical instruments, Individuals looking to sell gold, silver, or platinum quickly for cash.

What are the strengths and weaknesses of Cash America Pawn?

Key strengths: eligibility claim to verify — loan approval based solely on item value; Non-recourse loans: forfeiting the item is the only consequence of non-payment, no collections or credit damage; Over 2,500 U.S. locations across 29 states — highly accessible for in-person transactions. Areas to consider: Pawn loan amounts are typically only a fraction of an item's actual market value; Interest rates on pawn loans are set by state law but are often very high on an APR basis.

How does Cash America Pawn compare to similar companies?

In the Pawn Shops category, comparable providers include Gold Star Finance, TitleMax Title Loans, TitleMax Title Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
1705 Pat Booker Rd, Universal City, TX 78148
BBB Accredited
No
Visit Cash America Pawn

CreditDoc Profile Note

Research Note on Cash America Pawn

Cash America Pawn (now FirstCash) is profile signals for consumers who need fast, no-credit-check cash and own physical items of value they can pledge as collateral. The main caveat is that pawn loan amounts are typically well below market value for pledged items, and interest rates — while state-regulated — are high compared to conventional lending options.

Profile Signals

  • Consumers who are researching short-term cash access and have no access to traditional credit
  • People who own jewelry, electronics, or tools and need a short-term loan with eligibility claims to verify
  • Bargain shoppers looking for discounted secondhand electronics, tools, or musical instruments
  • Individuals looking to sell gold, silver, or platinum quickly for cash
Updated 2026-05-08

Similar Companies

Gold Star Finance logo

Gold Star Finance

Gold Star Finance offers installment signature loans from $200–$1,700 across 68+ Texas locations. Established 1978, they focus on accessible small loans for consumers with imperfect credit.

BBB: NR

Profile signals: Texas residents with poor/fair credit needing $200–$1,700 for immediate expenses, Borrowers seeking installment loans over payday/title loans with longer repayment terms

TitleMax Title Loans logo

TitleMax Title Loans

In Carrollton, TX, TitleMax Title Loans at 2717 E Belt Line Rd provides title-loan profile details with rate claims to verify and flexible repayment terms.

BBB: A+

Profile signals: Vehicle owners with poor or no credit who own a paid-off car or motorcycle and are researching short-term cash access, Borrowers who need provider-stated funding timing and may not meet traditional bank-loan criteria or credit cards

TitleMax Title Loans logo

TitleMax Title Loans

Irving, TX's TitleMax Title Loans at 2720 N Belt Line Rd provides quick title-secured loans for customers researching emergency-cash options.

BBB: A+

Profile signals: Consumers with poor or no credit history who own a paid-off vehicle outright, People needing same-day cash access who cannot qualify for a bank loan or credit card

Compare Your Needs With Cash America Pawn

Answer 3 quick questions to review category, service, and profile context.

1. What's your primary financial goal?

Quick Summary

  • Cash America Pawn is listed as a Pawn Shops provider in Universal City, TX on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Financial Wellness Guides

Affiliate Disclosure: CreditDoc may earn a commission when you click links to Cash America Pawn and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.